Inv. Banks / Inv. Cos. / Securities Cos.
AMBL Apna Microfinance Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.50 +5.18%
Quarterly · Q3 FY2021 – Q2 FY2026
Apna Microfinance Bank Limited (AMBL) quarterly cash flow statement
Operating activities generated Rs 543.0 mn of cash in Q2 FY2026 (Apr – Jun 2026), down 76.3% on Q2 FY2025. Overall, cash increased by Rs 445.0 mn.
| Rs mn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | (132.9) | 543.0 | (1,174.5) | 460.4 | 38.2 | 2,287.3 | (2,052.5) | 1.2 | (948.4) | 331.0 | 295.7 | 1,211.8 | (4,274.3) | 2,344.6 | (761.9) | 1,366.5 | (2,468.1) | 2,701.6 | (2,098.4) | (809.9) | (673.3) |
| Net cash from investing activities | (658.1) | (98.0) | (116.0) | (345.7) | (98.4) | (413.6) | (68.4) | (132.0) | (137.9) | (73.9) | (513.4) | (35.1) | 56.0 | 1,175.2 | (281.8) | (680.9) | (441.7) | (311.3) | 18.5 | (87.1) | (126.1) |
| Net cash from financing activities | — | 0.0 | — | 0.0 | 0.0 | 0.0 | 500.0 | 130.0 | 370.0 | 0.0 | 0.0 | 1,000.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | (0.5) | 0.0 | (0.2) | 3.1 |
| Net change in cash | (791.0) | 445.0 | (1,290.5) | 114.6 | (60.1) | 1,873.7 | (1,620.9) | (0.8) | (716.3) | 257.2 | (217.8) | 2,176.7 | (4,218.3) | 3,519.8 | (1,043.7) | 685.6 | (2,909.8) | 2,389.8 | (2,080.0) | (897.2) | (796.3) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -76.3% | — | +38,315.3% | — | +591.0% | -794.1% | -99.9% | — | -85.9% | — | -11.3% | — | -13.2% | — | — | — | +14.8% | — | -126.7% | -204.5% |
| Net cash from investing activities | — | — | — | — | — | — | — | -346.2% | -106.3% | — | — | — | — | -1,626.4% | — | — | — | -96.6% | — | — |
| Net cash from financing activities | — | — | -100.0% | -100.0% | — | — | -87.0% | — | — | — | — | — | — | — | — | -100.0% | — | -100.0% | -100.1% | — |
| Net change in cash | -76.2% | — | — | — | +628.6% | — | -100.0% | — | -92.7% | — | +217.5% | — | +47.3% | — | — | — | +15.7% | — | -132.9% | -279.1% |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.
All reported line items 41
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | (374.8) | (362.2) | (289.9) | (447.5) | (385.3) | (482.3) | (776.0) | (746.1) | (772.2) | (768.3) | (823.3) | (653.7) |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | 74.8 | 86.2 | 95.3 | 97.0 | 89.4 | 89.4 | 39.2 | 66.2 | 148.5 | 131.3 | 241.5 | 180.0 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (17.8) | 7.5 | 15.7 | 16.5 | 17.4 | 18.0 | 79.0 | 23.2 | 19.8 | — | 53.4 | 62.0 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 98.0 | 60.3 | 57.3 | 55.5 | 54.2 | 56.8 | 96.5 | 22.8 | 86.8 | 90.3 | 131.7 | 74.0 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 56.7 | 57.7 | 54.7 | 52.9 | 51.5 | 54.6 | 82.3 | 20.5 | 84.5 | 88.0 | 123.5 | 74.0 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 2.5 | 2.5 | 2.5 | 2.5 | 2.8 | 2.3 | 2.3 | 2.3 | 2.3 | 2.3 | 8.2 | — |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (5.4) | 18.4 | 22.2 | 24.9 | 18.9 | 19.2 | (136.3) | 24.5 | 41.7 | 41.0 | 60.4 | 42.4 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | 38.8 | — | — | — | — | — | 12.0 | — | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | 0.0 | — | 0.0 | 0.1 | (1.1) | (4.7) | 0.0 | (4.3) | 0.2 | 0.0 | (3.9) | 1.7 |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | 0.0 | — | 0.0 | 0.1 | (1.1) | (4.7) | 0.0 | (4.3) | 0.2 | 0.0 | (3.9) | 1.7 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | — | — | 37.5 | 15.5 | 17.7 | 14.0 | 15.9 | 39.3 | 67.4 | — | 109.3 | 38.7 |
| Cash Flow from Operating Activities before Changes in Working Capital | (299.9) | (276.1) | (232.2) | (366.0) | (313.5) | (406.9) | (752.6) | (719.2) | (691.1) | (637.0) | (691.0) | (512.4) |
| Working Capital - Increase/(Decrease) - Cash Flow | 842.9 | (898.4) | 692.5 | 404.3 | 2,600.8 | (1,645.6) | 753.8 | (229.2) | 1,022.1 | 932.7 | 1,902.8 | (3,761.9) |
| Other Assets - Decrease/(Increase) - Cash Flow | 39.4 | (26.1) | (42.4) | 54.3 | 39.2 | (4.7) | 232.6 | 3.6 | (87.1) | (51.7) | 7.6 | 120.7 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (173.5) | (449.7) | (1,041.9) | (638.5) | (463.5) | (311.5) | (280.7) | (352.9) | (252.0) | 121.4 | 76.2 | 28.2 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 32.3 | (23.0) | 66.0 | (83.7) | 146.3 | (53.0) | 2.9 | 19.6 | (19.1) | (81.7) | 204.9 | (120.6) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 944.7 | (399.6) | 1,710.9 | 1,072.1 | 2,878.8 | (1,276.4) | 799.0 | 100.5 | 1,380.4 | 944.7 | 1,614.1 | (3,790.2) |
| Net Cash Flow from Operating Activities | 543.0 | (1,174.5) | 460.4 | 38.2 | 2,287.3 | (2,052.5) | 1.2 | (948.4) | 331.0 | 295.7 | 1,211.8 | (4,274.3) |
| Capital Expenditures - Net - Cash Flow | 1.4 | 2.2 | (8.3) | 2.0 | 2.1 | (3.2) | 0.3 | (9.6) | 3.8 | 2.1 | 0.2 | 4.0 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 1.4 | 2.2 | (8.3) | 2.0 | 2.1 | (3.2) | 0.3 | (9.6) | 3.8 | 2.1 | 0.2 | 4.0 |
| Property, Plant & Equipment - Purchased - Cash Flow | 1.4 | 2.2 | — | 2.3 | 4.0 | 3.8 | 0.3 | 0.3 | 4.1 | 2.1 | 3.2 | 4.0 |
| Property, Plant & Equipment Sold - Cash Flow | 0.0 | — | 8.3 | 0.3 | 1.9 | 7.0 | — | 9.9 | 0.3 | 0.0 | 3.0 | — |
| Capital Expenditures - Total | 1.4 | 2.2 | — | 2.3 | 4.0 | 3.8 | 0.3 | 0.3 | 4.1 | 2.1 | 3.2 | 4.0 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (42.3) | (37.0) | (294.6) | (42.3) | (341.9) | (16.2) | 2.7 | (130.1) | (16.2) | (457.2) | 81.3 | 145.1 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (42.3) | (37.0) | (294.6) | (42.3) | (341.9) | (16.2) | 2.7 | (130.1) | (16.2) | (457.2) | 81.3 | 145.1 |
| Other Investing Cash Flow - Decrease/(Increase) | (54.2) | (76.9) | (59.4) | (54.0) | (69.6) | (55.4) | (134.4) | (17.4) | (53.9) | (54.2) | (116.2) | (85.1) |
| Net Cash Flow from Investing Activities | (98.0) | (116.0) | (345.7) | (98.4) | (413.6) | (68.4) | (132.0) | (137.9) | (73.9) | (513.4) | (35.1) | 56.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | — | — | — | — | — | 0.0 | — | — | — | 0.0 | 0.0 | — |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | — | — | — | — | — | 0.0 | — | — | — | 0.0 | 0.0 | — |
| Other Financing Cash Flow - Increase/(Decrease) | 0.0 | — | 0.0 | 0.0 | 0.0 | 500.0 | 130.0 | 370.0 | 0.0 | 0.0 | 1,000.0 | 0.0 |
| Net Cash Flow from Financing Activities | 0.0 | — | 0.0 | 0.0 | 0.0 | 500.0 | 130.0 | 370.0 | 0.0 | 0.0 | 1,000.0 | 0.0 |
| Net Change in Cash - Total | 445.0 | (1,290.5) | 114.6 | (60.1) | 1,873.7 | (1,620.9) | (0.8) | (716.3) | 257.2 | (217.8) | 2,176.7 | (4,218.3) |
| Net Cash from Continuing Operations | 445.0 | (1,290.5) | 114.6 | (60.1) | 1,873.7 | (1,620.9) | (0.8) | (716.3) | 257.2 | (217.8) | 2,176.7 | (4,218.3) |
| Net Cash - Beginning Balance | 2,730.6 | 4,021.2 | 3,906.5 | 3,966.6 | 2,093.0 | 3,713.9 | 3,714.7 | 4,431.0 | 4,173.9 | 4,391.6 | 2,214.9 | 6,433.2 |
| Net Cash - Ending Balance | 3,175.6 | 2,730.6 | 4,021.2 | 3,906.5 | 3,966.6 | 2,093.0 | 3,713.9 | 3,714.7 | 4,431.0 | 4,173.9 | 4,391.6 | 2,214.9 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | — | — | 37.5 | 15.5 | 17.7 | 14.0 | 15.9 | 39.3 | 67.4 | — | 109.3 | 38.7 |
| CF from Optg Activities before Change in WC & Int Payments | (299.9) | (276.1) | (232.2) | (366.0) | (313.5) | (406.9) | (752.6) | (719.2) | (691.1) | (637.0) | (691.0) | (512.4) |
| Depreciation, Depletion & Amortization - Cash Flow | 59.2 | 60.3 | 57.3 | 55.5 | 54.2 | 56.8 | 84.5 | 22.8 | 86.8 | 90.3 | 131.7 | 74.0 |
| Free Cash Flow to Equity | 541.6 | (1,176.6) | 468.6 | 36.2 | 2,285.2 | (2,049.3) | 0.9 | (938.9) | 327.2 | 293.6 | 1,211.6 | (4,278.3) |
| Free Cash Flow Net of Dividends | 541.6 | (1,176.6) | 460.4 | 35.9 | 2,283.3 | (2,056.3) | 0.9 | (948.7) | 327.0 | 293.6 | 1,208.6 | (4,278.3) |
| Free Cash Flow | 541.6 | (1,176.6) | 460.4 | 35.9 | 2,283.3 | (2,056.3) | 0.9 | (948.7) | 327.0 | 293.6 | 1,208.6 | (4,278.3) |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.